Flooding: Insurance

Baroness Browning Excerpts

Thursday 29th November 2012 Lords Chamber

[Baroness Browning]

My Lords, I declare an interest, having been flooded in 1997 and 2008. In his discussions with the insurance industry, does my noble friend ever mention not just that those of us who are in that position are very nervous about what will happen to our insurance next year but the fact that our houses are unsellable? There are elderly people who need to go into residential care, but they cannot sell their home. Others, like me, retire and want to move nearer to their families. Those properties are blighted. In a very small lane in rural Devon that has a lot of old thatched houses and cottages, some of which are listed, if they are not insured, eventually they will just be allowed to deteriorate and fall down.

[Lord De Mauley]

My noble friend is of course right that there are concerns about the continued availability of insurance to householders—mortgage holders and those looking to sell their houses. We are working with those involved better to understand what the impact on the mortgage market might be. I am certainly encouraged that the Council of Mortgage Lenders is quoted as saying that the focus needs to be on finding a solution on flood insurance, rather than worrying householders unnecessarily about how lenders might choose to react. That has a knock-on effect on the selling market to which my noble friend refers. I also point out that in July, we published a guide to obtain flood insurance in high-risk areas in collaboration with the National Flood Forum and industry representatives, which I think is helpful.

Bovine Tuberculosis

Baroness Browning Excerpts

Tuesday 16th November 2010 Lords Chamber

[Lord Henley]

My Lords, on the first question, I accept what the noble Lord has to say, but ongoing monitoring since the end of those trials indicates that the positive impacts on herd breakdowns within the culled areas have lasted for a considerable number of years after the culls have ended and that those areas have seen a reduction of some 28 per cent in the incidence of TB. So there is a considerable reduction. We have never said that culling is the sole answer. We have always made it clear that we believe that other measures will need to be taken and that we need to use every tool in the toolbox. As I made clear to the noble Lord in Written Answers earlier this year, we have consulted both the Government Chief Scientific Adviser, Sir John Beddington, and our own chief scientific adviser within the department.

[Baroness Browning]

My Lords, I was the Minister who set up the committee so ably taken forward by the noble Lord, Lord Krebs. Back in 1997, we recognised that bovine tuberculosis was out of control. It had spread down from the moors in the south-west peninsula and has since come south, right down almost to the coast across Devon, Cornwall and Somerset. It has also spread to Gloucestershire, has headed up to Herefordshire and is now up as far as Cumbria. Has my noble friend looked at the research work being carried out in the Republic of Ireland, particularly in East Offaly? Certainly, prior to setting up the inquiry into bovine tuberculosis, the then Government looked at how culling had been used in the Republic of Ireland. I hope that he will take that research work into account.

[Lord Henley]

My Lords, I thank my noble friend for that question. I assure her that we have looked at research carried out in all countries. It is clear that one cannot eradicate bovine TB without also addressing TB in the wild animal population. That seems clear from the evidence in all other countries. My noble friend is also right to emphasise to the House the importance of this issue. Last year more than 25,000 cattle had to be compulsorily slaughtered. We think that bovine TB is Britain’s biggest endemic animal health issue.